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Woman slammed for using GoFundMe for house deposit

<p>A woman has been relentlessly mocked online after launching a GoFundMe page to ask strangers to contribute money to her house deposit. </p> <p>Emmalee Potter, a mother-of-three from Victoria, wrote on the page that she had been "suffering a rough few years" and relying on friends and family for help with accommodation. </p> <p>Now however, Potter is finally in the position where she is tantalising close to being able to purchase her new home after "working hard towards saving", but still finds herself $3,000 short of her goal. </p> <p>As she wrote on the fundraising page, "I'm almost at the final stage but I'm short on the deposit so I'm calling on my village. Please help me get over this last hurdle, every little bit truly helps, a house is more than just a place to live."</p> <p>"It's a foundation for the next chapter of life, a space where memories are made, and where I can really begin to feel settled. Your donation, no matter the size, will go directly toward helping me achieve this dream."</p> <p>While Ms Potter thanked those who could contribute, many were not impressed at her using the platform in order to fund her house. </p> <p>"No hate but you expect people to donate to you so you can buy a house?" one person asked, while another added, "I'm sorry but that is ridiculous. If we are all going to start GoFundMe accounts, I may as well start one so I can go on a holiday to Greece."</p> <p>Another person wrote, "It's a tough time for everyone trying to buy a house, especially with the cost of living, so I'm kind of confused why you're asking for donations. The first paragraph of your listing says 'I'm now in a position to purchase a home' but you're asking strangers to send you money for the deposit?" </p> <p>Ms Potter defended the fundraising page as she responded to one outraged commenter, writing, "It's not about 'funding me a house' it's the small amount still needed to buy something."</p> <p>"Me and my kids are living in a room at my friends. Buying is actually cheaper than renting. We've applied for over 100 rentals and been knocked back. I can get the home loan and pay the repayments [I'm] just needing the last bit of the deposit."</p> <p>Others were quick to defend the woman, as one person wrote, "There's nothing wrong with asking for help."</p> <p><em>Image credits: GoFundMe / Facebook </em></p>

Money & Banking

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Albo quizzed over luxury home purchase

<p>Anthony Albanese has been grilled by Karl Stefanovic over the recent purchase of a multi-million dollar home, that was widely slammed by the public as being "out of touch". </p> <p>As part of his pre-election campaign, the Prime Minister and his fiancé Jodie Haydon sat down with <em>60 Minutes</em> where they discussed the controversial real estate move. </p> <p>Karl Stefanovic described as the $4.1 million purchase of the Copacabana holiday home as “harebrained", as Albo defended his decision to buy the home. </p> <p>“Whose harebrained idea was Copacabana?” Stefanovic asked as the program began.</p> <p>Mr Albanese, who is notoriously sensitive about the purchase amid claims it was tone-deaf during a cost-of-living crisis, laughed at the question as he responded, “Look, Jodie and I are getting married.”</p> <p>“What you don’t do is move into the family home where Carmel and I raised Nathan together as a family. And guess what, Karl? At some stage … I won’t be Prime Minister into my 80s and therefore we have bought a place close to where Jodie grew up … where her family are all based.”</p> <p>In the program, Stefanovic observed that, “I’ve spent some time with her these last couple of days and I get the feeling the girl from the Central Coast would sooner rather than later have her feet up at Copacabana, whether you are there or not!”</p> <p>“No — well, she’s a Coastie and a proud one,” Mr Albanese replied. “And it was very much a personal decision, not a political one. And I think Australians get that.”</p> <p>Karl then asked about the controversy around the home, asking the PM, “Did it sting you at all the criticism around that, the perception being during a cost-of-living crisis, the PM shouldn’t be seen as being, you know, so lavish?” </p> <p>Albanese responded, “I’m pretty resilient, Karl, and if you’re worried about every bit of criticism that was out there, then life would be much more difficult than it is."</p> <p><em>Image credits: 60 Minutes </em></p> <p style="box-sizing: inherit; border: 0px; font-stretch: inherit; line-height: inherit; font-family: 'Helvetica Neue', HelveticaNeue, Helvetica, Arial, sans-serif; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; font-size: 18px; margin: 0px 0px 24px; padding: 0px; vertical-align: baseline;"> </p>

Money & Banking

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Nine pulls reality TV series off the air over "staging" claims

<p>Channel Nine's real estate reality show <em>Find My Beach House</em> has been  pulled off air after producers were caught out "staging" scenes for the cameras.</p> <p>The show hosted by <em>The Block's </em>Shelley Craft, focuses on couples hunting to buy their "dream home".</p> <p>However, according to Media Watch, one couple featured on the show already owned the property that was showcased on a recent episode. </p> <p>According to the Media Watch report, couple Toneya and Lochie had owned the luxury pad for eight years.</p> <p>"In fact, days after the show was broadcast, Toneya and Lochie put the house on the market – asking price $3.8 to $4.15 million. Can’t buy advertising like that," Media Watch host Linton Besser said.</p> <p>Media Watch also claimed that another property featured on the show was owned by "home seeker" Kirsty, who had it listed on Airbnb for $4,000 a week. </p> <p>The show was pulled from 9Now after Media Watch made their enquiries </p> <p>In a statement shared with viewers of Media Watch, the producers admitted "reversed engineered the house-hunting process".  </p> <p>"Abode Entertainment produces Find My Beach House, which is licensed to Channel 9,' the statement began.  </p> <p>"The show is designed as light entertainment, offering viewers engaging tours of stunning homes. </p> <p>"At its core, the series follows a couple’s journey, adding a compelling narrative that keeps audiences invested," they continued. </p> <p>"To enhance storytelling and ensure a satisfying viewing experience, we sometimes reverse-engineer the house-hunting process." </p> <p>"Each episode is based on real property searches and purchases. In some cases, aspects of the home-buying journey have been reconstructed for storytelling purposes. </p> <p>"This means the buyers have already purchased their home before filming, and we then showcase additional properties to capture their reactions and insights authentically.</p> <p>"Moving forward we are making the change to include a disclaimer on each episode."</p> <p><em>Image: Nine</em></p>

TV

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Beloved Man About the House actor passes away

<p>English actor Brian Murphy best known for his role as George Roper in <em>Man About the House </em>and its spinoff series <em>George and Mildred</em> has died aged 92. </p> <p>The star's agent confirmed he died on Sunday at his home in Kent, with his wife and actress, Linda Regan, by his side. </p> <p>"It is with the greatest of sadness that we have to announce the death of our client actor Brian Murphy," the actor's agent, Thomas Bowington, said in a statement to <em>Deadline</em>. </p> <p>"It is almost impossible to describe the depth of his talent and humanity. A truly joyful and profoundly good hearted man."</p> <p>Regan has since paid tribute to the actor, who she was married to for over 30 years, with an emotional message. </p> <p>"My love for you will never die. RIP sweetheart," she wrote to X, alongside a photo of them kissing. </p> <p>"I will love you forever darling, and all your wishes will be carried out as you wanted. My soulmate," she continued in a follow-up tweet.</p> <p>"I know we will meet again, until then I'll hold on to the love we shared for 35 years."</p> <blockquote class="twitter-tweet"> <p dir="ltr" lang="en">I will love you forever darling, and all your wishes will be carried out as you wanted. My soulmate. I know we will meet again, until then I’ll hold on to the love we shared for 35 years <a href="https://t.co/i8nNIkZYTc">https://t.co/i8nNIkZYTc</a></p> <p>— Linda Regan (@Linda_Regan) <a href="https://twitter.com/Linda_Regan/status/1886769269150560670?ref_src=twsrc%5Etfw">February 4, 2025</a></p></blockquote> <p><em>'Allo 'Allo! </em>star Vicki Michelle also paid tribute to the actor, saying she was "so so sad" to hear of his death. </p> <p>"Great actor and Gorgeous friend, always fun. My heart goes out to Linda and family. Such a Wonderful couple."</p> <p>Murphy started out acting in theatre and tv in the '60s before being cast in the sitcom, <em>Man About the House</em>, in 1973. </p> <p>He rose to fame shortly after, starring alongside  Richard O'Sullivan, Paula Wilcox and Sally Thomsett in the sitcom which ran for six seasons. </p> <p>Murphy continued playing his character George in the spinoff series, <em>George and Mildred</em>, which ran for five seasons. </p> <p>He was also in films including <em>The Booze Cruise, Sparrows Can't Sing</em> and T<em>he Boy Friend</em>.</p> <p><em>Image: Paul Grover/ Shutterstock Editorial</em></p> <p> </p>

Caring

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Dave Hughes spills on worst A-list celeb interview

<p>Dave Hughes has revealed the "rudest" A-list celebrity he's ever interviewed in the latest episode of  <em>I’m A Celebrity … Get Me Out of Here!</em></p> <p>The radio star was talking about all his celebrity interviews throughout the years with campmate Max Balegde, who then asked him: “I want you to be honest – who was the rudest?” </p> <p>“If we’re going to be honest … it hurts me to say it, but it’s … Ben Stiller. I was a big fan, and he was just a pain in the a**e," Hughes replied. </p> <p>Hughes then joked that he might've  “ruined his Hollywood career” by calling out the A-list actor and director known for films like <em>Zoolander </em>and <em>Meet the Parents</em>. </p> <p>The radio broadcaster didn't reveal when he'd encountered Stiller or why the actor was a "pain in the a**e" . </p> <p>In the latest episode of <em>I’m A Celebrity … Get Me Out of Here!</em> former MAFS star Samantha Moitzi was the first of this season's contestants to be evicted from the jungle. </p> <p>Last week, Aussie TV legend Sigrid Thornton was the latest celeb to join the show in its 11th season. </p> <p>It's the first time the actress appeared in a reality show during her 40-year career, telling <em>news.com.au</em>: “I felt like if I was going to say yes to a challenge like this, then this was the time for me. I mean, I’ve never done reality television; I’ve never done anything remotely like this.”</p> <p>“But I don’t hold any particular judgement around it; I’ve removed all potential judgement because I don’t know what it’s going to be. All I know is that it will be extraordinary, exciting, unexpected, and I hope a little bit wonderful.”</p> <p><em>Image: I'm A Celeb/ 10</em></p> <p> </p>

TV

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Ray Martin cashes in after selling luxury Sydney home

<p>Ray Martin has made a whopping $7.1 million after selling the family home he has owned on Sydney's north shore for thirty-five years.</p> <p>The veteran journalist sold the five-bedroom, three-bathroom mansion in the suburb of Waverton for a reported $8 million, after Martin and his wife Dianne bought the luxurious 1930s-era house in 1990 for $900,000.</p> <p>The beautiful home, known as Finisterre, sold for between $8 million and $8.5 million after being listed on January 1st, according to reports from <em><a href="https://www.realestate.com.au/news/ray-martins-8m-home-sale-bonanza/" target="_blank" rel="nofollow noreferrer noopener">The Daily Telegraph</a></em>.</p> <p>Located just 5km from the Sydney CBD, the gorgeous two-storey home features classic period stylings and luxurious interiors.</p> <p>The stunning home boasts impressive features such as grand scale living areas, a beautiful patio for entertaining and a glass-framed mosaic-tiled pool, while a chef's kitchen features the latest appliances and a breakfast island.</p> <p>Other highlights include a 'formal' living room, a separate family room, a home office and an open-plan dining area that opens out to the backyard and patio.</p> <p>The upper level offers a large open terrace which features views of Sydney Harbour and the city skyline.</p> <p>Other luxury features on the estate also include a wine cellar, a second-floor study and landscaped gardens.</p> <p><em>Image credits: SBS / McGrath Real Estate</em> </p>

Money & Banking

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Globetrotter reveals the worst places she has travelled to

<p dir="ltr">Seasoned globetrotter Lauren Heavner has revealed the five countries she would never return to, explaining why she will never recommend the popular destinations. </p> <p dir="ltr">Heavner documents her travels online, and after visiting 170 countries, she has formed some strong opinions on what destinations are not worth travelling to. </p> <p dir="ltr">Lauren explained to <em><a href="https://www.dailymail.co.uk/travel/article-14137407/worst-countries-world-france-canada-monaco.html">MailOnline</a></em> the reasons behind her controversial picks for her least favourite travel destinations, recounting her experiences in the holiday hotspots that earned them a place on her list. </p> <p dir="ltr"><strong>Monaco</strong></p> <p dir="ltr">In a viral TikTok video, Lauren explains that she’s been to the city-state of Monaco “at least 20 times”, but says “it’s not for her”, saying, “It just doesn’t have much of a culture. It’s impossible to walk around the streets and see anything.”</p> <p dir="ltr">She further explained to <em>MailOnline</em>, “The thing about Monaco, the bitter pill you can’t quite swallow, is that it’s unapologetically built for the ultra-rich. Every time I’m there, I’m confronted by my place in the food chain.”</p> <p dir="ltr">Despite its flaws, Lauren admits that Monaco is “beautiful at night” in the video and said the “view alone” could get her back there, despite the rich destination leaving her feeling like a “peasant”.</p> <p dir="ltr"><strong>Ghana</strong></p> <p dir="ltr">Lauren explained that she's been to the capital of Ghana, Accra, a few times, but said that there “wasn’t really much to do”, and felt “unease” as she explored the city. </p> <p dir="ltr">She commented, “I wandered the streets of Accra on my own for a while. But it didn’t take long before unease crept in.”</p> <p dir="ltr">“The chaos, the unfamiliarity, it’s not the kind of place that coddles a lone outsider. I felt slightly on guard. Maybe it was paranoia, maybe it was instinct - but either way, I retreated after only a short time of wandering solo.”</p> <p dir="ltr">She went on to tell <em>MailOnline</em>, “What stayed with me most about Ghana was the stark reality of its struggles. The poverty was impossible to ignore. Children working, shops stocked with imported goods far out of reach for most.”</p> <p dir="ltr">Despite her experiences, Lauren explains that “the lingering regret of not seeing enough” could lure her back. </p> <p dir="ltr"><strong>Malaysia</strong></p> <p dir="ltr">Recalling a trip to Malaysia with her friends, Lauren said the destination felt “pretty corrupt” and struggled with the social issues. </p> <p dir="ltr">“I was there with a group of friends. It was one of those punishingly hot, humid days where even breathing felt like work,” she said, recalling when she visited the batu caves. </p> <p dir="ltr">“We were all in shorts, naturally. But then came the rules: women had to be covered - no knees, no shoulders. Men? ‘Yeah, come as you are, it doesn't matter’.”</p> <p dir="ltr">She added that the worst aspect of her time in Malaysia was “the lack of things to do in the capital”, which she says “felt like a city waiting to impress but never delivering”.</p> <p dir="ltr"><strong>Canada</strong></p> <p dir="ltr">Lauren acknowledged that picking Canada for her least favourite destination was controversial, but explained that the country is “really not that exciting for an American”, clarifying to <em>MailOnline</em> that “there aren’t many negative aspects of Canada”, it’s just too “familiar”. </p> <p dir="ltr">She explains, “It’s familiar to the point of feeling predictable. The same big-box stores, the same general vibe - just with better manners and a lot more Tim Hortons (a Canadian coffeehouse and restaurant chain).”</p> <p dir="ltr">Lauren concluded, “Canada is great, but it’s not exactly exotic. It feels too much like home.”</p> <p dir="ltr"><strong>France</strong></p> <p dir="ltr">Lauren slammed Paris as “overrated” and said the capital is “the worst part of France”, and urged travellers to head elsewhere in the country. </p> <p dir="ltr">Speaking to <em>MailOnline</em>, she says she has “never felt unsafe in France” but adds that “Paris can be slightly dodgy in certain areas”.</p> <p dir="ltr">Lauren added, “Let’s just say France isn’t exactly known for rolling out the red carpet for outsiders. There’s a certain coolness, a guardedness that can feel like a wall if you’re not prepared for it.”</p> <p dir="ltr">The seasoned traveller recommends heading to “the French Riviera” or anywhere “other than Paris”.</p> <p dir="ltr"><em>Image credits: TikTok / Shutterstock</em></p> <p> </p>

International Travel

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Readers response: What was the worst hotel experience you had?

<p>We asked our readers to share their stories of the worst hotel experience that have endured while on holiday, and the response was overwhelming. Here's what they said. </p> <p><strong>Deedee Cullum</strong> - At a 5 star in Beijing. Arrived from the airport after 1am. Let into the room to find it occupied with someone having a bath. Instead of changing our room we waited in the lobby for 1 and 1/2 hours while they changed to the correct room and cleaned ours. The wet towels were neatly folded on the towel rack and the used soap was on the basin. When I turned the bedside light on I got a shock. To be fair management were most apologetic and gave us free dining in their top restaurant for the 4 days we were there. It was a few years ago but never forgotten.</p> <p><strong>Bruce Hopkins</strong> - I stopped at a Hotel in Hobart, arrived in the afternoon, checked out the next day, the whole time I stopped there, I never saw anyone on reception or any staff at all. Creepiest hotel I stayed in.</p> <p><strong>Carol Henwood</strong> - When we went to have a shower, and the towels disintegrated! The shower had black mould in all the corners. The carpet was so sticky, we kept our shoes on.  We slept on top of the bed as the sheets were crumpled and smelly. What a night.</p> <p><strong>Sheila Kell </strong>- When my eldest son was about 2 years old we took a holiday to Shute Harbour in QLD and in middle of night we heard lots of scratching so turned on light and sat up in bed and there were hundreds of field mice crawling up walls and back of bed. They apparently were having a plague, but we dressed and left. Couldn't sleep in that motel.</p> <p><strong>Christine Warner</strong> - A country pub only option one night. Our room has no lock on the door, and there were gaps in the floorboards so we could see straight down to the bar where it was very noisy. We had already been warned of people breaking in to hotel and motel rooms in that region, so we slept in the car and returned to the room in the morning for a shower.</p> <p><strong>Helen Wilson</strong> - In Singapore, they gave us a “free” breakfast while someone rummaged through our belongings and took stuff.</p> <p><em>Image credits: Shutterstock </em></p> <p> </p>

Travel Trouble

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Full House star's devastating cancer diagnosis

<p>Dave Coulier has revealed his devastating cancer diagnosis </p> <p>The <em>Full House</em> star told the <em>US Toda</em>y show about his "roller coaster" health struggle on Wednesday. </p> <p>After finding out that he was diagnosed with stage 3 non-Hodgkin lymphoma, he said it felt like "I got punched in the stomach because it never happens to you," according to <em>Page Six</em>. </p> <p>Coulier, whose first symptom was a lump in his groin, noted that he was “on pins and needles for a few days” while waiting to hear whether the disease had spread “to any major organs or [his] blood or bones or anything.”</p> <p>While waiting for his results, the 65-year-old actor told his wife, Melissa Coulier that he accepted his fate. </p> <p> “I’m OK with whatever the news [is] going to be no matter how devastating. … I’ve had an incredible life. I’ve had the most amazing people in my life. This has been an extraordinary journey, and I’m OK if this is the end of the journey”.</p> <p>Fortunately the cancer has not moved outside of his lymphatic system, and since then the actor has started chemotherapy, which he said was  “intense” and “scared the daylights” out of him.</p> <p>“There [are] days where I feel unbelievable,” he said. “Then there’s other days where … I’m just going to lay down and let this be what it’s going to be”.</p> <p>Coulier is expected to finish treatment in February 2025 after undergoing six rounds of chemo every three weeks. </p> <p>While the diagnosis was initially shocking, the actor has assured his fans that the curability rate is promising. </p> <p><em>Image: Ralph Dominguez/MediaPunch/ Shutterstock Editorial</em></p> <p> </p>

Caring

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Seven star names and shames worst celeb interviews

<p>A former Channel Seven showbiz reporter has named and shamed the worst celebrities he's interviewed. </p> <p>Nelson Aspen, 61, who as an entertainment correspondent for Sunrise for two decades opened up on his worst celebrity encounters fellow showbiz reporter Kjersti Flaa on her <a href="https://www.youtube.com/watch?v=pJ7xEdVa25s" target="_blank" rel="noopener"><em>YouTube show</em></a>. </p> <p>Flaa who is known for revealing her own "nightmare" celebrity encounter with Blake Lively, prompted Aspen to share his own experience with the <em>Gossip Girl </em>actress. </p> <p>Aspen said that his first interview with Lively in 2016 was “fun and playful” and he was "gobsmacked" by her beauty. But he had a very different experience just two years later when he interviewed her and Anna Kendrick for <em>A Simple Favor</em>. </p> <p>“I’m figuring, ‘Oh this is going to be fun.’ I’d interviewed Anna before and she’s fine, but Blake? She’s going to be be a hoot, I can’t wait,” Aspen recalled. </p> <p>“They were paired together, and I think that may have had something to do with it. She [Lively] could’ve been having a bad day, maybe they didn’t get along, maybe it was competition, maybe it was two egos trapped in the same room, maybe Blake is just better one-on-one … I don’t know, but she answered every question with a question, combatively.</p> <p>“It was not pleasant, and Anna sort of did the same. It’s like she was like, ‘OK this is girl power, we’re going to be team up on the journalist.’</p> <p>“And in your interview with Blake, I recognised it, this is a trait, obviously a recurring one,” he told Flaa.</p> <p>“Thanks to you, everybody’s warned.”</p> <p>He then revealed that one of his most uncomfortable chats was with Oscar-winning actor Robert De Niro, and prior to his interview, a publicist warned him that De Niro "won't look you in the eyes". </p> <p>That was exactly what happened when he interviewed the actor. </p> <p>“The camera that was on me was off to a weird angle so that Robert never had to look me in the face,” Aspen recalled. </p> <p>“He looked off camera, but when we cut it together it looked as if he was looking at me.</p> <p>“They went to so much trouble to avoid him having to look at the journalist.”</p> <p>Another A-lister he interviewed was Marvel star Paul Rudd, considered to be one of the nicest guys in Hollywood, but Aspen said it wasn't always the case. </p> <p>“He’s usually very sweet, but it was his birthday, and that’s when everybody was talking about ‘ageless Paul Rudd’,” Aspen said.</p> <p>“They [publicists] said, ‘Don’t ask him about his youthful appearance, and don’t say Happy Birthday.’ I was like, ‘You’ve got to be kidding me.’</p> <p>“Yes it was coming from the publicist, but he must have said, ‘I don’t want to talk about my birthday’.”</p> <p>"I can’t remember exactly how it went down, but whatever it was they were very sensitive about it, and it was very uncomfortable and awkward, and nobody says that about Paul Rudd.</p> <p>“But it happens, they’re people too.”</p> <p>However, his interviews weren't all bad, with Hugh Jackman known as one of the kindest stars in Hollywood. </p> <p>“I’ve interviewed him a thousand times. He’s the best,” Aspen said.</p> <p>Meryl Streep and Julie Andrews were also among Aspen’s favourites.</p> <p><em>Image: Youtube</em></p>

TV

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What are house dust mites and how do I know if I’m allergic to them?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/deryn-lee-thompson-1449312">Deryn Lee Thompson</a>, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p>People often believe they are allergic to <a href="https://ahd.csiro.au/everything-in-our-homes-gathers-dust-but-what-exactly-is-it-where-does-it-come-from-and-why-does-it-keep-coming-back-is-it-from-outside-is-it-fibres-from-our-clothes-and-cells-from-our-skin/">house dust</a>. But of the <a href="https://www.allergy.org.au/patients/allergy-treatments/allergen-minimisation">20% of Australians</a> suffereing with allergies, a number are are actually allergic to microscopic <a href="https://www.healthdirect.gov.au/dust-mites">house dust mites</a>.</p> <p>House dust mites belong to the same family as spiders and ticks. They measure just 0.2-0.3 mm, with 50 fitting on a single pinhead. They <a href="https://www.intechopen.com/chapters/71977">live</a> for 65–100 days, and females lay 60–100 eggs in their life.</p> <p>House dust mites love temperate climates and humidity. They feed off the skin cells we and animals shed, as well as mould, which they digest using special enzymes. These enzymes are excreted in their poo about <a href="https://www.intechopen.com/chapters/71977">20 times a day</a>. They also shed fragments of their exoskeletons.</p> <p>All these fragments trigger allergies in people with this type of allergic rhinitis (which is also known as hay fever)</p> <h2>What are the symptoms?</h2> <p>When people with house dust mite allergy inhale the allergens, they penetrate the mucous membranes of the airways and eyes. Their body recognises the allergens as a threat, releasing chemicals including one called histamine.</p> <p>This causes symptoms including a runny nose, an itchy nose, eyes and throat, sneezing, coughing and a feeling of mucus at the back of your throat (known as a post-nasal drip).</p> <p>People with this type of allergy usually mouth breath, snore, rub their nose constantly (creating a nasal crease called the “dust mite salute”) and have dark shadows under their eyes.</p> <p>House dust mite allergy <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7328274/">can also cause</a> poor sleep, constant tiredness, reduced concentration at work or school and lower quality of life.</p> <p>For people with eczema, their damaged skin barrier can allow house dust mite proteins in. This prompts immune cells in the skin to <a href="https://academic.oup.com/bjd/article/190/1/e5/7485663">release chemicals</a> which make already flared skin become redder, sorer and itchier, especially in children.</p> <p>Symptoms of house dust mite allergy occur year round, and are often worse after going to bed and when waking in the morning. But people with house dust mite allergy <em>and</em> pollen allergies find their year-round symptoms worsen in spring.</p> <h2>How is it diagnosed?</h2> <p>House dust mite allergy symptoms often build up over months, or even years before people seek help. But an accurate diagnosis means you can not only access the right treatment – it’s also vital for minimising exposure.</p> <p>Doctor and nurse practitioners can order a <a href="https://www.allergy.org.au/patients/allergy-treatments/allergen-minimisation">blood test</a> to check for house dust mite allergy.</p> <p>Alternatively, health care providers with <a href="https://www.allergy.org.au/hp/a-career-in-clinical-immunology-and-allergy">specialised allergy training</a> can perform skin prick tests. This involves placing drops of the allergens on the arm, along with a positive and negative “control”. After 15 minutes, those who test positive will have developed a mosquito bite-like mark.</p> <h2>How is it treated?</h2> <p>Medication options include one or a combination of:</p> <ul> <li>daily non-sedating antihistamines</li> <li>a steroid nasal spray</li> <li>allergy eye drops.</li> </ul> <p>Your health care professional will work with you to develop a <a href="https://www.allergy.org.au/images/stories/pospapers/ar/ASCIA_HP_Allergic_Rhinitis_2022.pdf">rhinitis (hay fever) medical management plan</a> to reduce your symptoms. If you’re using a nasal spray, your health provider will <a href="https://www.youtube.com/watch?v=_ytYj1TLojM">show you how to use it</a>, as people often use it incorrectly.</p> <p>If you also have <a href="https://www.nationalasthma.org.au/understanding-asthma/how-is-asthma-managed">asthma</a> or eczema which is worsened by dust mites, your health provider will adapt your <a href="https://www.nationalasthma.org.au/health-professionals/asthma-action-plans">asthma action plan</a> or <a href="https://medcast.com.au/qhub/eczema/resources">eczema care plan</a> accordingly.</p> <p>If you experience severe symptoms, a longer-term option is <a href="https://www.allergy.org.au/images/pc/ASCIA_PC_Allergen_Immunotherapy_FAQ_2024.pdf">immunotherapy</a>. This aims to gradually turn off your immune system’s ability to recognise house dust mites as a harmful allergen.</p> <p>Immunotherapy involves taking either a daily sublingual tablet, under the tongue, or a series of injections. Injections require monthly attendances over three years, after the initial weekly build-up phase.</p> <p>These are <a href="https://theconversation.com/im-considering-allergen-immunotherapy-for-my-hay-fever-what-do-i-need-to-know-190408">effective</a>, but are costly (as well as time-consuming). So it’s important to weigh up the potential benefits and downsides with your health-care provider.</p> <h2>How can you minimise house dust mites?</h2> <p>There are also important allergy minimisation measures you can take to reduce allergens in your home.</p> <p>Each week, <a href="https://www.allergy.org.au/component/finder/search?q=minimisation&amp;Itemid=100001">wash</a> your bedding and pyjamas in hot water (over 60°C). This <a href="https://www.nationalasthma.org.au/living-with-asthma/resources/patients-carers/factsheets/dust-mites-trigger-my-asthma">removes</a> house dust mite eggs and debris.</p> <p>Opt for doonas, covers or quilts that can be washed in hot water above 60°C. Alternatively, low-cost waterproof or leak proof covers can keep house dust mites out.</p> <p>If you can, favour blinds and wood floors over curtains and carpet. Dust blinds and surfaces with a damp cloth each week and vacuum while wearing a mask, or have someone else do it, as house dust mites can become airborne during cleaning.</p> <p>But beware of costly products with big marketing budgets and little evidence to support their use. A new mattress, for example, will always be house dust mite-free. But once slept on, the house dust mite life cycle can start.</p> <p>Mattress protectors and toppers commonly claim to be “hypoallergenic”, “anti-allergy” or “allergy free”. But their pore sizes are not small enough to keep house dust mites and their poo out, or shed skin going through.</p> <p>Sprays claiming to kill mites require so much spray to penetrate the product that it’s likely to become wet, may smell like the spray and, unless dried properly, may grow mould.</p> <p>Finally, claims that expensive vacuum cleaners can extract all the house dust mites are unsubstantiated.</p> <p><em>For more information, visit <a href="https://www.healthdirect.gov.au/dust-mites">healthdirect.gov.au</a> or the <a href="https://www.allergy.org.au/patients/allergy-treatments/allergen-minimisation">Australian Society of Clinical Immunology and Allergy</a>.</em><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/240918/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/deryn-lee-thompson-1449312">Deryn Lee Thompson</a>, Eczema and Allergy Nurse; Lecturer, <a href="https://theconversation.com/institutions/university-of-south-australia-1180">University of South Australia</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/what-are-house-dust-mites-and-how-do-i-know-if-im-allergic-to-them-240918">original article</a>.</em></p> </div>

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"Completely out of touch" boomer slammed for housing advice

<p>An Aussie boomer has been slammed online after sharing advice for younger generations to buy a house, with her words of wisdom being labelled as "infuriating". </p> <p>The Sydney homeowner shared her matter-of-fact views when asked about her own property journey for a TikTok video by property app Coposit Street, who regularly hit the streets to ask people of all ages about their opinions on home ownership. </p> <p>The woman, who chose not to disclose her age or how much she has in savings, didn’t hold back when asked about younger Aussies, saying they “don’t make sacrifices” in order to break onto the property market. </p> <p>“When I was younger …. I never did brunches and partied and now (it’s what) they wanna do, she explained in the video, before admitting “it’s harder for them now”. </p> <p>“Things are so expensive but they can start off small. A lot of people buy places that are too big but you’ve got to make sacrifices.”</p> <p>When asked how she built her savings, she added, “I take my own lunch to work, I always have.” </p> <p>“If you want a place of your own, start small but make the sacrifices, do two jobs, work a lot. Don’t go out as much as you want to.”</p> <p>“I mean I feel sorry for the younger generation now because they’re thinking why bother because it’s too expensive, I’m just going to party and have a good time, which you can still do.”</p> <p>“When I entered (the property market) it was quite a while ago. I had a lot of difficulty because I was a single woman and I had prejudice against me so my father had to go guarantor and that was able to help,” she explained.</p> <p>“I had two jobs, I worked really hard. I was actually trying to save to go overseas and then I cancelled that and I was renting … and I thought, well, maybe if I saved a bit of money and worked hard, I could put a deposit down for myself.”</p> <p>These days, the woman acknowledged the cost of living in Sydney is “very expensive”, saying, “It’s terrible … Rents have all gone up and everyone’s willing to pay for everything so people are just thinking we’ll charge this and then everyone’s charging on top, and people aren’t getting assistance so it’s hard these days.”</p> <p>The woman's comments were met with a wave of backlash online, with many younger Australians calling her advice "infuriating". </p> <p>“We’ve turned our cars into taxis and our spare rooms into hotels to try and afford the same thing they had on a single income,” one person wrote. </p> <p>“How are people this completely out of touch?” another wrote. “Most of my mates have worked since 14/15 (years old), Not gone away internally (sic), have clacked out cars and still only scrape by. I’m 20 and I can’t even remember the last time I went clubbing.”</p> <p>“Yes not buying coffee is going to be enough to save for a house,” another sarcastically quipped.</p> <p>The woman's comments come after research conducted last year shows Gen Z and Millennials have a tougher path to buying a home than previous generations, with the latter facing mortgages 12 times their average income.</p> <p><em>Image credits: TikTok</em></p> <p style="box-sizing: inherit; border: 0px; font-stretch: inherit; line-height: inherit; font-family: 'Helvetica Neue', HelveticaNeue, Helvetica, Arial, sans-serif; font-size-adjust: inherit; font-kerning: inherit; font-variant-alternates: inherit; font-variant-ligatures: inherit; font-variant-numeric: inherit; font-variant-east-asian: inherit; font-variant-position: inherit; font-feature-settings: inherit; font-optical-sizing: inherit; font-variation-settings: inherit; font-size: 18px; margin: 0px 0px 24px; padding: 0px; vertical-align: baseline;"> </p>

Money & Banking

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"You are not my King": Lidia Thorpe interrupts Charles' Parliament House visit

<p>Senator Lidia Thorpe has caused a stir in Parliament House as she launched into a tirade against King Charles during his welcome to Canberra. </p> <p>The monarch had just finished his speech and was returning to his seat after shaking hands with Prime Minister Anthony Albanese when Thorpe started yelling from the back of the room. </p> <p>“You committed genocide against our people. Give us our land back. Give us what you stole from us, our bones, our skulls, our babies, our people, you destroyed our land,” Thorpe said during her outburst on Monday.</p> <p>“We want a treaty in this country. This is not your land. You are not my King, you are not our King. F*** the colony.”</p> <blockquote class="instagram-media" style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" data-instgrm-permalink="https://www.instagram.com/reel/DBX9nEUoQ9r/?utm_source=ig_embed&utm_campaign=loading" data-instgrm-version="14"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"> </div> </div> </div> <div style="padding: 19% 0;"> </div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"> </div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <div style="padding: 12.5% 0;"> </div> <div style="display: flex; flex-direction: row; margin-bottom: 14px; align-items: center;"> <div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(0px) translateY(7px);"> </div> <div style="background-color: #f4f4f4; height: 12.5px; transform: rotate(-45deg) translateX(3px) translateY(1px); width: 12.5px; flex-grow: 0; margin-right: 14px; margin-left: 2px;"> </div> <div style="background-color: #f4f4f4; border-radius: 50%; height: 12.5px; width: 12.5px; transform: translateX(9px) translateY(-18px);"> </div> </div> <div style="margin-left: 8px;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 20px; width: 20px;"> </div> <div style="width: 0; height: 0; border-top: 2px solid transparent; border-left: 6px solid #f4f4f4; border-bottom: 2px solid transparent; transform: translateX(16px) translateY(-4px) rotate(30deg);"> </div> </div> <div style="margin-left: auto;"> <div style="width: 0px; border-top: 8px solid #F4F4F4; border-right: 8px solid transparent; transform: translateY(16px);"> </div> <div style="background-color: #f4f4f4; flex-grow: 0; height: 12px; width: 16px; transform: translateY(-4px);"> </div> <div style="width: 0; height: 0; border-top: 8px solid #F4F4F4; border-left: 8px solid transparent; transform: translateY(-4px) translateX(8px);"> </div> </div> </div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center; margin-bottom: 24px;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 224px;"> </div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 144px;"> </div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" href="https://www.instagram.com/reel/DBX9nEUoQ9r/?utm_source=ig_embed&utm_campaign=loading" target="_blank" rel="noopener">A post shared by The Daily Aus (TDA) (@thedailyaus)</a></p> </div> </blockquote> <p>Security quickly swarmed around Thorpe and escorted her from the Great Hall, where a reception for political and community leaders was being held.</p> <p>The King continued to chat with Albanese during the disruption, which lasted about one minute.</p> <p>The outburst has sparked calls for Thorpe to resign, with the Australian Monarchist League describing her behaviour as a “childish demonstration”.</p> <p>“Senator Thorpe should step down with immediate effect,” league national chair Philip Benwell said.</p> <p>“The Australian Monarchist League unequivocally condemns the ill-considered behaviour of this isolated senator."</p> <p>“Her childish demonstration has done nothing to diminish the gratitude and pride that millions of Australians have for our country, its history, its peoples and its sound system of governance. In fact, it has likely only strengthened these feelings."</p> <p>“Should she not resign, the league expects Senator Thorpe will be referred to the President of the Senate and that her misconduct will be addressed in accordance with what is the obvious and prevailing public sentiment.”</p> <p>In a statement released on Monday afternoon, Thorpe said her aim was to “hand King Charles a notice of complicity in the genocide of the First Peoples of this county”.</p> <p>“The visit by the so-called King should be an occasion of truth-telling about the true history of this country,” Thorpe said. “The colonial state has been built on the continuing genocide on First Peoples.”</p> <p>“Today I was silenced and removed from the parliamentary reception when pointing out that the Crown stole from First Peoples."</p> <p>“The British Crown committed heinous crimes against the First Peoples of this country. These crimes include war crimes, crimes against humanity and failure to prevent genocide. There has been no justice for these crimes. The Crown must be held accountable.”</p> <p>Following the statement, Thorpe was forced to apologise to her online followers for a different display of anti-royalism, as an artwork of the King being beheaded was posted to her Instagram. </p> <p>The controversial MP said that the image was uploaded “without her knowledge” and she has now “deleted it”.</p> <p>Writing on X she said, “Earlier tonight, without my knowledge, one of my staff shared an image to my Instagram stories created by another account."</p> <p>“I deleted it as soon as I saw. I would not intentionally share anything that could be seen to encourage violence against anyone. That’s not what I’m about.”</p> <p><em>Image credits: LUKAS COCH/EPA-EFE/Shutterstock Editorial </em></p>

Legal

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Nat Barr slammed for “out of touch” comments about the housing crisis

<p dir="ltr">Nat Barr has been widely slammed online for her comments on the housing crisis, with many claiming she is “stirring the pot”.</p> <p dir="ltr">On Wednesday’s <em>Sunrise</em> show, Barr was just joined by two experts to discuss Labor’s Help To Buy Bill, which would allow Australians earning under $90,000 to buy a home with just a 2 per cent deposit.</p> <p dir="ltr">While discussing the legislation, Barr said she’s worried her two sons — aged 19 and 22 — won’t be able to purchase a home after finance spokesperson Jane Hume claimed “Australians have already rejected this policy right around the country”.</p> <p dir="ltr">“I’m in the lucky position that I got to buy mine when they were cheaper years ago but I don’t know how my kids are going to buy one,” Barr said.</p> <p dir="ltr">Barr, who has hosted Sunrise since 2020, has never spoken publicly about her salary, but it has long been speculated that she earns more than $1 million per year. </p> <p dir="ltr">Viewers were quick to slam her comments on Facebook, claiming Barr will “set her kids up”.</p> <p dir="ltr">“She is the last person who should speak. she’s wealthy and will set her kids up,” one person commented, while another added, “So many young people are buying houses every day without the help of mum and dad. Nat’s just stirring the pot.”</p> <p dir="ltr">Another commenter added, “She makes enough money to buy a house for each of her sons. They’ll be just fine. Check your privilege, Nat.”</p> <p dir="ltr"><em>Image credits: Instagram / Sunrise</em></p>

TV

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10 rules every good house guest follows

<p>You've been invited to stay in somebody else's house. You're instantly told "make yourself at home!" But you can't really, can you? Here's the unsaid rules of being a houseguest you just can't break. </p> <p><strong>1. Not arriving on time</strong></p> <p>Always provide your itinerary to your host before you arrive. If your flight or train is delayed, give them real-time updates. Google Map your journey in advance so you know exactly how to get to their house. It's awfully inconvenient as a host to be waiting to give a guest keys, but have them arrive two hours late because of an excuse like "I got lost".</p> <p><strong>2. Turning up empty handed</strong></p> <p>You don't need to bring much, but when staying at someone's house you need to arrive with a token of appreciation. A bottle of wine, some chocolates, or a kitsch little jar of jam you made. Turning up empty handed is expected by the host, but all good houseguests know a small gift is the right way to kick things off.</p> <p><strong>3. Keeping your shoes on</strong></p> <p>Perhaps you live in a shoes-on house when you're at home, but unless told so, you should never keep them on when staying at another's. Especially if you only see your host walking around bare foot, or in socks/slippers. Houseguests bring in extra dirt, fluff, and marks – the most conscious you can be of that, the better.</p> <p><strong>4. Turning down food</strong></p> <p>When you're staying in somebody else's home, you must eat what you are served. Hosts go to a lot of effort to make you feel welcome and cooking for you is a big part of that. If you have any dietary requirements, say so before you arrive and offer to bring a bag of shopping. Your host will probably refuse, but you've laid the groundwork for happy mealtimes for the duration of your stay.</p> <p><strong>5. Not cleaning up</strong></p> <p>Picture this: you're staying with a friend, and they're at work all day while you mooch around their house. The dishwasher is full but you don't know where anything goes in the cupboards. You pile your dirties in the sink, and your friend comes home to find them. Cue instant aggression that will forever remain unspoken. Avoid being a bad guest by cleaning up when you're a houseguest – even if you put things back in the wrong place.</p> <p><strong>6. Not asking to use laundry facilities</strong></p> <p>One of the most difficult things about travelling is getting your laundry done. When a washing machine and dryer become available, it's natural to want to jump on them. But you must ask your host first. They will always say yes – everybody understands what it's like to have to wear inside-out underwear when you've had no laundry facilities for a week – but it's just polite to ask.</p> <p><strong>7. Asking your host to quiet down</strong></p> <p>When staying in somebody else's house, there's a high chance of noises you're not used to. That could mean your host watching TV at midnight when you've got to be up early, or them talking loudly on the phone at 6AM while you're asleep. But you can't say anything about it. If you are noise-sensitive, always bring quality earplugs.</p> <p><strong>8. Bringing lovers home</strong></p> <p>We get it, maybe you're in an exciting new city and the options for a little sexy time are pinging at your phone every few minutes. But you cannot, under any circumstances, invite a new lover over to somebody's house when you're staying there. Even if you have their house to yourself, it's just a breach of respect. If you want to hook up, go to their place.</p> <p><strong>9. Leaving the bed unmade</strong></p> <p>Hosts generally accept there'll be some clean-up after you're gone. But don't leave the guest bed unmade, or your dirty sheets on it. Strip them off on your final morning, and either fold them nicely, or put them in the washing machine (this is one situation where you don't need their permission to use their laundry). Remake the bed with or without clean sheets if possible.</p> <p><strong>10. Not saying thank you</strong></p> <p>It doesn't have to be a formal written letter (though that would be nice, wouldn't it). But you must thank your hosts after you leave with a note, an e-mail, or even a text. It's something so easy to forget to do once you're gone, but ensures the host feels their hospitality has been appreciated. And if you've not broken any of the other rules, you'll definitely get invited back.</p> <p><em>Image credits: Shutterstock</em></p> <p><em>Written by Lee Suckling. First appeared on <a href="http://www.stuff.co.nz/" target="_blank" rel="noopener"><strong><span style="text-decoration: underline;">Stuff.co.nz</span></strong></a>.</em></p>

Home & Garden

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New calls for Boomers to end housing crisis

<p>New research has called for Boomers to rent out their spare bedrooms in a bid to address the country's housing crisis. </p> <p>According to research from the Queensland University of Technology, there are more than 13 million spare bedrooms across the country, meaning 76 per cent of Aussie households have spare rooms. </p> <p>The report has called for older Australians to rent out their spare rooms to provide “short-term relief to both the rental and the cost of living crisis”.</p> <p>“If new housing stock is years away, then shifting the focus to existing housing may provide some short-term solutions,” the report states.</p> <p>The report also found that more than six million homes have one or two spare bedrooms, while one million homes have three or more spare bedrooms. </p> <p>They also encouraged the government to incentivise older Australians to open up their spare rooms to renters, to provide them some financial relief during the cost of living crisis. </p> <p>Currently, the Government hopes to build 1.2 million homes, but have welcomed further ideas to help relieve the cost of living crisis. </p> <p>“Meeting this ambitious target will certainly be a challenge and it won’t happen overnight, but it’s a challenge we have to meet in order to make housing more affordable," a government spokesman said.</p> <p>However, the Queensland University of Technology noted that the demand for housing is set to outstrip supply in Australia until at least 2029, based on the government's State of the Housing System report.</p> <p>“The housing crisis is a complex matter and new housing supply is years away, despite billions of dollars of government commitments,” the report states. </p> <p>“Millions of empty bedrooms exist and yet many older homeowners live in poverty rather than risk losing their pension or paying taxes by renting out a spare bedroom.”</p> <p>The report acknowledged that there may be barriers like concerns for elder abuse that may deter people from renting out their homes, "however, under the right circumstances, with appropriate support and education, such ‘house sharing’ arrangements could alleviate some of the current housing and cost of living issues."</p> <p>“There is an urgent need for further research to be undertaken to explore opportunities to incentivise, educate, support, and protect older Australians to open their homes and unlock existing housing stock for immediate use by those in need.”</p> <p>These findings follow PropTrack’s latest Housing Affordability Report that stated housing affordability in Australia has deteriorated to its “worst level on record” amid high mortgage rates and increasing home prices.</p> <p><em>Image: Shutterstock</em></p>

Travel Trouble

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"The worst is still yet to come": Grim warning for chocolate lovers

<p>Chocolate lovers could be facing a potential nightmare ahead of the festive season as cocoa supplies hit an all time low, driving confectionary prices to a record high.</p> <p>Most of the world's cocoa beans are grown in West Africa, where ongoing inclement weather and crippling crop diseases, coupled with economy-wide pressures like rising labour, packaging and energy costs, have put unprecedented pressure on the chocolate industry in recent months. </p> <p>However, market analyst Rabobank’s Paul Joules told <a title="www.smh.com.au" href="https://www.smh.com.au/politics/federal/why-a-global-cocoa-crunch-will-sour-chocolate-for-years-to-come-20240927-p5ke0w.html" target="_blank" rel="noopener"><em>The Sydney Morning Herald</em>, </a> “the worst is still yet to come for consumers”, as the stockpiles of cocoa that manufacturers have been relying on for the past 18 months have run out. </p> <p>“While hedging has protected many manufacturers from the worst effects of the price rises until now, eventually all these forward contracts will get used up, and prices will have to increase to reflect the current cocoa price,” Rabobank’s Soaring chocolate prices report, released last week, read.</p> <p>Rabobank wanted that the increased costs of manufacturing will be passed down to consumers, with dark chocolate lovers being the most affected due to the high concentration of cocoa. </p> <p>Analysis by Mr Joules found that, worldwide, a 100 gram block of chocolate with 70 per cent cocoa content could rise from $4.90 to $6.50, with a “similar increase could be expected in Australia”.</p> <p>“It can take anywhere from six to 12 months for … price hikes to be reflected in the retail pricing of products,” Saxo Head of Commodity Strategy, Ole Sloth Hansen said. </p> <p>“The trend of shrinkflation is likely to become more pronounced. Consequently, while there might not be a stark rise in the price tags of chocolate items, the quantity offered for the same price will see a reduction.” </p> <p><em>Image credits: Shutterstock </em></p>

Money & Banking

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Is it worth selling my house if I’m going into aged care?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/colin-zhang-1234147">Colin Zhang</a>, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p>For senior Australians who cannot live independently at home, residential aged care can provide accommodation, personal care and general health care.</p> <p>People usually think this is expensive. And many assume they need to sell their home to pay for a lump-sum deposit.</p> <p>But that’s not necessarily the case. Here’s what you need to consider.</p> <h2>You may get some financial support</h2> <p>Fees for residential aged care are complex and can be confusing. Some are for your daily care, some are means-tested, some are for your accommodation and some pay for extras, such as cable TV.</p> <p>But it’s easier to think of these fees as falling into two categories:</p> <ul> <li> <p>an “entry deposit”, which is usually more than <a href="https://www.health.gov.au/sites/default/files/documents/2020/06/eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-july-2020-eighth-report-on-the-funding-and-financing-of-the-aged-care-industry-may-2020.pdf">$A300,000</a>, and is refunded when you leave aged care</p> </li> <li> <p>daily “<a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">ongoing fees</a>”, which are $52.71-$300 a day, or more. These cover the basic daily fee, which everyone pays, and the means-tested care fee.</p> </li> </ul> <p>To find out how much government support you’ll receive for both these categories, you will have a “<a href="https://www.myagedcare.gov.au/income-and-means-assessments/#aged-care-home">means test</a>” to assess your income and assets. This means test is similar (but different) to the means test for the aged pension.</p> <p>Generally speaking, the lower your aged-care means test amount, the more government support you’ll receive for aged care.</p> <p>With full support, you don’t need to pay an “entry deposit”. But you still need to pay the basic daily fee (currently, <a href="https://www.myagedcare.gov.au/aged-care-home-costs-and-fees">$52.71</a> a day), equivalent to 85% of your aged pension. If you get partial support, you pay less for your “entry deposit” and ongoing fees.</p> <h2>You don’t need a lump sum</h2> <p>You don’t have to pay for your “entry deposit” as a lump sum. You can choose to pay a rental-style daily cost instead.</p> <p>This is calculated as follows: you multiply the amount of the required “entry deposit” by the maximum permissible interest rate. This rate is set by government and is currently at <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">4.01%</a> per year for new residents. Then you divide that sum by 365 to give a daily rate. This option is like borrowing money to pay for your “entry deposit” via an interest-only loan.</p> <p>You can also pay for your “entry deposit” with a combination of a lump sum and a daily rental cost.</p> <p>As it’s not compulsory to pay a lump sum for your “entry deposit”, you have different options for dealing with your family home.</p> <h2>Option 1: keep your house and rent it out</h2> <p>This allows you to use the rental-style daily cost to finance your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>you could have more income from rent. This can help pay for the rental-style daily cost and “ongoing fees” of aged care</p> </li> <li> <p>you might have a special sentimental attachment to your family house. So keeping it might be a less confronting option</p> </li> <li> <p>keeping an expensive family house will not heavily impact your residential aged care cost. That’s because any value of your family house above <a href="https://www.health.gov.au/sites/default/files/documents/2021/03/schedule-of-fees-and-charges-for-residential-and-home-care-schedule-from-20-march-2021_0.pdf">$173,075.20</a> will be excluded from your <a href="https://www.servicesaustralia.gov.au/organisations/health-professionals/services/aged-care-entry-requirements-providers/residential-care/residential-aged-care-means-assessment">means test</a></p> </li> <li> <p>you can still access the capital gains of your house, as house prices rise.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li> <p>your rental income needs to be included in the means test for your aged pension. So you might get less aged pension</p> </li> <li> <p>you might need to pay income tax on the rental income</p> </li> <li> <p>compared to the lump sum payment, choosing the rental-style daily cost means you will end up <a href="https://www.smh.com.au/money/super-and-retirement/seek-help-when-weighing-up-how-to-pay-for-your-aged-care-20191202-p53g16.html">paying more</a></p> </li> <li> <p>you are subject to a changing rental market.</p> </li> </ul> <h2>Option 2: keep your house and rent it out, with a twist</h2> <p>If you have some savings, you can use a combination of a lump sum and daily rental cost to pay for your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>like option 1, you can keep your house and have a steady income</p> </li> <li> <p>the amount of lump sum deposit will not be counted as an asset in the pension means test.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li> <p>like option 1, you could have less pension income, higher age-care costs and need to pay more income tax</p> </li> <li> <p>you have less liquid assets (assets you could quickly sell or access), which could be handy in an emergency.</p> </li> </ul> <h2>Option 3: sell your house</h2> <p>If you sell your house, you can use all or part of the proceeds to pay for your “entry deposit”.</p> <p><strong>Pros</strong></p> <ul> <li> <p>if you have any money left over after selling your house and paying for your “entry deposit”, you can invest the rest</p> </li> <li> <p>as your “entry deposit” is exempt from your aged pension means test, it means more pension income.</p> </li> </ul> <p><strong>Cons</strong></p> <ul> <li>if you have money left over after selling your house, this will be included in the aged-care means test. So you can end up with less financial support for aged care.</li> </ul> <h2>In a nutshell</h2> <p>Keeping your house and renting it out (option 1 or 2) can give you a better income stream, which you can use to cover other living costs. And if you’re not concerned about having access to liquid assets in an emergency, option 2 can be better for you than option 1.</p> <p>But selling your house (option 3) avoids you being exposed to a changing rental market, particularly if the economy is going into recession. It also gives you more capital, and you don’t need to pay a rental-style daily cost.</p> <hr /> <p><em>This article is general in nature, and should not be considered financial advice. For advice tailored to your individual situation and your personal finances, please see a qualified financial planner.</em></p> <p><em>Correction: this article previously stated the amount of lump sum deposit will not be counted as an asset in the aged-care means test, as a pro of option 2. In fact, the amount of lump sum deposit will not be counted as an asset in the pension means test.</em><!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/161674/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><a href="https://theconversation.com/profiles/colin-zhang-1234147"><em>Colin Zhang</em></a><em>, Lecturer, Department of Actuarial Studies and Business Analytics, <a href="https://theconversation.com/institutions/macquarie-university-1174">Macquarie University</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/is-it-worth-selling-my-house-if-im-going-into-aged-care-161674">original article</a>.</em></p> </div>

Retirement Income

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Advertising a house is ridiculously expensive in Australia – could that be affecting the property market?

<div class="theconversation-article-body"><em><a href="https://theconversation.com/profiles/james-graham-1264059">James Graham</a>, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p>Australia has long been one of the <a href="https://www.forbes.com.au/news/investing/sydney-melbourne-adelaide-are-top-10-least-affordable-cities-for-housing/#:%7E:text=Demographia's%20annual%20report%20assesses%20housing,second%20place%2C%20and%20Vancouver%20third.">most expensive</a> places in the world to buy a house. Now, it’s apparently also one of the costliest places to sell one.</p> <p>Recent <a href="https://www.theguardian.com/australia-news/2024/sep/16/the-symbiotic-relationship-that-makes-selling-a-house-in-australia-so-damn-expensive">reporting</a> in the Guardian has raised concerns about the market dominance of Australia’s two main real estate advertising websites, realestate.com.au and Domain.</p> <p>Facing little competition, the largest – realestate.com.au – appears to have <a href="https://www.theguardian.com/australia-news/2024/sep/16/the-symbiotic-relationship-that-makes-selling-a-house-in-australia-so-damn-expensive">significantly increased its fees</a> in recent years, while thwarting disruptive innovations from smaller competitors.</p> <p>Why does that matter? Because when it comes to selling a house, Australia <a href="https://www.theguardian.com/australia-news/2024/sep/16/real-estate-website-fees-australia">stands out</a> globally. In most other countries, any advertising costs are tiny or bundled in with agent fees.</p> <p>Here, along with only <a href="https://www.theguardian.com/australia-news/2024/sep/16/the-symbiotic-relationship-that-makes-selling-a-house-in-australia-so-damn-expensive">Sweden and New Zealand</a>, home sellers pay their own advertising costs in addition to real estate agent fees and commissions.</p> <p>This advertising can be expensive – up to several thousand dollars for a single property listing. But it also seems necessary, with a lack of alternative platforms offering comparable reach.</p> <p>Setting aside the problems of monopolistic pricing behaviour, what are the economics of high and rising real estate advertising fees? Do home sellers get value for the money they spend on advertising? And what might be the impacts of these fees on the Australian housing market?</p> <h2>Is advertising on big platforms worth it?</h2> <p>First, it’s worth asking whether real estate advertising is actually effective and whether bigger platforms are better.</p> <p>To explore these questions, a group of US-based economists <a href="https://www.aeaweb.org/articles?id=10.1257/aer.99.5.1878">studied</a> the outcomes of advertising on a large platform favoured by real estate agents in the United States called the “multiple listing service”, compared with a smaller for-sale-by-owner platform.</p> <p>The study found no differences in eventual home sales prices between the two platforms. But properties on the multiple listing service were more likely to sell and spent less time on the market.</p> <p>However, the size of the advertising platform didn’t explain these benefits. Rather, the different platforms appealed to buyers and sellers with varying patience levels. This variation in willingness to “wait-and-see” affected the time it took to sell.</p> <p>Translated to the Australian context, that raises questions about the value for money of advertising on a larger platform – which here, unlike the US, attracts significant fees.</p> <h2>Housing markets are ‘search markets’</h2> <p>Next, we need to consider how high costs of advertising property might affect the housing market more broadly.</p> <p>Housing markets fall into a category called “search markets” within economics. Sellers seek buyers, and buyers seek sellers offering up properties that meet their required criteria.</p> <p>The economics of search markets have been extensively studied by the likes of <a href="https://www.nobelprize.org/prizes/economic-sciences/2010/summary/">Nobel laureates</a> Peter Diamond, Dale Mortensen and Christopher Pissarides. Their insights highlight the key factors that determine search market outcomes.</p> <p>Sellers consider the costs of listing an item for sale (such as advertising) and the time it takes to find a buyer. Buyers, on the other hand, consider their alternatives to buying (such as renting) and the time it might take to find a suitable seller.</p> <p>The likelihood of a sale – and how long everything will take – depends on the number of potential buyers relative to sellers. The sales price is then negotiated after meetings between the two.</p> <p>This gives us a framework to speculate about how Australia’s high – and increasing – costs of advertising real estate could be affecting the broader housing market on both sides of this equation.</p> <h2>Costs can affect both supply and demand</h2> <p>On the supply side, high fees reduce the net financial benefit of selling a home, which could discourage homeowners from listing their properties. All else being equal, this could lead to fewer properties on the market, shorter selling times, and higher prices for the properties that are listed.</p> <p>But we can predict some effects on the demand side, too.</p> <p>High fees also reduce the net benefit of buying a home, as current buyers expect to be sellers in the future. These costs are likely to be even more pronounced for property investors, who buy and sell property more frequently than homeowners.</p> <p>Anticipation that selling costs will be high in the future could suppress the demand for housing, reducing prices and increasing the time it takes to sell a property.</p> <p>Interestingly, <a href="https://www.nber.org/papers/w32855">recent research</a> from the US suggests that these demand-side effects might outweigh the supply-side effects.</p> <p>Economists studied the impact of a series of court decisions that forced the National Association of Realtors to reduce real estate agent fees. They found lower fees increase the lifetime benefits of homeownership, which leads to a significant increase in house prices.</p> <p>Significantly, that suggests lowering the costs of selling property – including advertising – could increase property values.</p> <h2>Just one part of the housing story</h2> <p>High prices in any area of economic life are likely to rankle our sense of a fair deal. High fees for advertising real estate have an obvious immediate impact on a home seller’s wallet.</p> <p>But the nuanced flow-on effects to the broader housing market are harder to tease out. They are also likely to vary across different property markets within Australia. Commentators and policy makers should think carefully before leaping into action in this area.</p> <p>In the meantime, advertising fees are one more thing to keep an eye on as Australian housing costs continue to rise.<!-- Below is The Conversation's page counter tag. Please DO NOT REMOVE. --><img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/239111/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /><!-- End of code. If you don't see any code above, please get new code from the Advanced tab after you click the republish button. The page counter does not collect any personal data. More info: https://theconversation.com/republishing-guidelines --></p> <p><em><a href="https://theconversation.com/profiles/james-graham-1264059">James Graham</a>, Senior Lecturer in Economics, <a href="https://theconversation.com/institutions/university-of-sydney-841">University of Sydney</a></em></p> <p><em>Image credits: Shutterstock </em></p> <p><em>This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/advertising-a-house-is-ridiculously-expensive-in-australia-could-that-be-affecting-the-property-market-239111">original article</a>.</em></p> </div>

Money & Banking

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Tourists reveal the worst cities for pedestrians

<p dir="ltr">For many keen travellers, walking is the best way to explore a new city and take in everything a new destination has to offer. </p> <p dir="ltr">However, not every corner of the world is easily accessible by foot, with some cities prioritising cars and bikes over the humble pedestrian. </p> <p dir="ltr">Tourists on social media site Reddit have revealed the least pedestrian friendly cities they have encountered on their travels abroad, with one person asking in a travel forum: “In what city/country did you have the ‘worst experience’ as a pedestrian?”</p> <p dir="ltr"><strong>Cairo, Egypt</strong></p> <p dir="ltr">The largest city and capital of Egypt has left some pedestrians feeling distressed, with one person describing the city as “hell on foot”. </p> <p dir="ltr">One person wrote of the historic city, “Drivers often drive on the opposite side of the road and most don't seem to follow any rules. Plus we got hassled so much by people trying to make money off us when walking around the city. They would follow us and wouldn't leave us alone.”</p> <p dir="ltr">Another traveller added, “In Cairo, I spent so much money on taxis, the lack of sidewalks, being constantly harassed to buy stuff, the heat, the trash, the smell.”</p> <p dir="ltr"><strong>Hanoi, Vietnam</strong></p> <p dir="ltr">The capital city of Vietnam is home to 9 million people and 7 million motorbikes and scooters, making crossing the road a logistical nightmare for many, as lots of travellers pointed out. </p> <p dir="ltr">One person wrote, “Hanoi is by far the worst walking experience I ever could have imagined. Any sidewalks are literally covered with motorbikes or pop-up restaurant seating that they hide when the police come by since it's not allowed. You can't go a single block without having to walk into the extremely busy streets.”</p> <p dir="ltr">“To be fair, it does add to the experience and I would like to note it's a good city and great country, but I'm convinced there is no worse walking experience in a city.”</p> <p dir="ltr"><strong>Amsterdam, The Netherlands</strong></p> <p dir="ltr">While there are many walkable streets in Amsterdam in an attempt to cut down on streets overrun with cars, the city makes up for this traffic with a surplus of bicycles.</p> <p dir="ltr">One traveller wrote, “Amsterdam was stressful to me as a pedestrian. The bikes will run you down.  We stayed a little outside of the city centre so that probably exacerbated things as our daily walk to see the sights often shared the paths with cyclists on the faster parts of their commutes.”</p> <p dir="ltr">Another person said, “I'm from Southeast Asia and Amsterdam made me very anxious as a pedestrian.”</p> <p dir="ltr"><strong>The Philippines</strong></p> <p dir="ltr">The entire country of The Philippines was a sore spot with many keen travellers, as lots of tourists had issues crossing the busy roads. </p> <p dir="ltr">One person wrote, “Manila was my knee-jerk response. The Philippines is gorgeous and the people are so incredibly friendly, but trying to cross those massive roads (that have no crosswalks) is literally taking your life in your hands to play frogger.”</p> <p dir="ltr">Another agreed, saying “Crossing traffic in the [Philippines] should be a sport. Could've died so many times out there.”</p> <p dir="ltr">Another traveller wrote, “I once had to take a taxi just to cross the road because there was no way for pedestrians to do it.”</p> <p dir="ltr"><strong>Bali, Indonesia</strong></p> <p dir="ltr">Despite being a popular tourist destination for many, many claimed the Indonesian paradise does not cater to pedestrians. </p> <p dir="ltr">One person wrote, “Bali is barely walkable at all in touristy areas - no sidewalks or at 90 percent of places. And so much traffic.”</p> <p dir="ltr">Another agreed, writing, “Bali gets my vote too. In Ubud, I was constantly like, ‘Where's the footpath?’ Every building and shop seems to have its own makeshift strip of narrow disjointed tile, concrete or dirt, but most of the time, it's easier to walk on the road.”</p> <p dir="ltr"><em>Image credits: Shutterstock </em></p> <p> </p>

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